It may be stressful to see the damage hail did to your car, but repairing it is a process you will have to go through to make sure your car returns to its former glory.
Remember to be in communication with those fixing your car at all times and that you have an important role in the repair process. Ask questions and make sure you understand all of the process and are getting the most for your money.
Here are some common questions to ask before you repair your car:
If it’s only light damage, should I still worry about repairing my car?
Yes. If you ever want to sell your car, you’ll want to make sure there is no damage to your car. Even the slightest damage can lower the value on your car, even if it doesn’t bother you or look that bad.
Should I wait until hail season is over to repair my car in case it storms again?
This is a risky chance to take. You could wait until the hail season is over in case more damage occurs, but if you try to claim insurance on both damages, you will technically be committing insurance fraud. In order to avoid that completely, repair your car after the first time it storms.
Should I call my insurance company before starting any repairs?
If you haven’t found the best shop to do repair work with, yes, call your insurance company first. If you have found a shop to work with, call them first and have them look at the damages. From there, they could contact your insurance company and file a claim on your behalf, making the process easier for you.
Will a hail claim raise my insurance premium?
No. A hail claim is a “no fault” claim because no one was at fault in this matter. Make sure you contact your insurance company at some point because they may be able to help you pay for the repairs to the damage.
Does it matter where I have my car fixed?
Yes! Go with a company that has good reviews and is reputable. Not all companies are the same, no matter how similar their practices may be. Do your research and find the company that will work best for you and your car.